FEATURED CREDIT CARDS

Mission Lane Visa® Credit Card

Mission Lane Visa<sup>®</sup> Credit Card
  • No Annual Fee
  • Fair Credit
  • Enjoy coverage from Visa®.
    *See Card Terms

Indigo® Mastercard® - $1,000 Credit Limit

Indigo<sup>®</sup> Mastercard<sup>®</sup> - $1,000 Credit Limit
  • Get the credit limit you deserve—$1,000 guaranteed if approved
    Rates & Fees

Milestone® Mastercard®

Destiny Mastercard
  • $700 Credit Limit
  • No security deposit
  • Less than perfect credit is ok
    Rates & Fees

Apply for Milestone® Mastercard® | Application



To apply for the Milestone® Mastercard®, you must use the online application form on the official Milestone® Mastercard® website. The process includes a pre-qualification step with a soft credit pull, so you can check for offers without impacting your credit score. The full application, if you choose to proceed, involves a hard credit pull.

How to apply for the Milestone® Mastercard®

1. Visit the official website: Go to the official Milestone® card website.

2. Fill out the pre-qualification form: Fill in the required information, such as your name, address, email, date of birth, and Social Security Number.

3. Review your offer: The pre-qualification process will give you an indication of your chances for approval and show you any potential offers without harming your credit score.

4. Complete the full application: If you receive a pre-qualified offer and wish to move forward, you will need to fill out the full application with all required personal and financial details.

5. Authorize a hard pull: By submitting the final application, you authorize Concora Credit (the servicer) and The Bank of Missouri (the issuer) to perform a hard inquiry on your credit report to verify your information and make a final approval decision.

Eligibility requirements

To be eligible for the Milestone® Mastercard®, you generally need to meet these criteria:

  • Be at least 18 years old.
  • Have a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
  • Have a physical U.S. address.
  • Have sufficient income to make monthly payments.
  • Not have had a Milestone® Mastercard® account that was previously charged off.
  • Have bad or less-than-perfect credit (a score of 500 or higher is typically needed for good approval odds).

  • After you apply

  • You can check the status of your application by calling Concora Credit at 1-800-305-0330.
  • While many applicants get an instant decision, the process can take longer if additional verification is needed.

  • Key things to know about the Milestone® Mastercard®

  • Issuer and servicer: The Milestone® Mastercard® is issued by The Bank of Missouri and serviced by Concora Credit.

  • Reports to credit bureaus: The card reports your payment history to all three major credit bureaus (Equifax, Experian, and TransUnion), which can help you build your credit if you use it responsibly.

  • Fees and interest: The card has high fees and a high Annual Percentage Rate (APR). There is an annual fee (potentially with a monthly fee in subsequent years), which will reduce your initial available credit.

  • Unsecured card: Unlike secured cards, this card does not require a security deposit.
  • Milestone® Mastercard®

    • Guaranteed $700 credit limit if approved.
    • Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
    • Don't Have Perfect Credit? No Problem!
    • Join over a million consumers who are working on building their access to credit.
    • Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
    • Get the credit you deserve, even with less-than-perfect history.
    • No security deposit, and a path to better credit.
    • CLICK HERE TO APPLY ONLINE

    Rates & Fees





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    Experian Boost: A Comprehensive Guide to Boosting Your Free Credit Score

    FICO® Credit Scores

    A FICO® Score is a specific, proprietary type of credit score created by the Fair Isaac Corporation (FICO). It is the most widely used credit scoring model, with approximately 90% of top U.S. lenders using a FICO® Score to make lending decisions.

    FICO® Score Ranges:

    • Exceptional: 800–850
    • Very Good: 740–799
    • Good: 670–739
    • Fair: 580–669
    • Poor: 300–579
    While many people (and credit education websites) use "Excellent" and "Bad" as general, descriptive terms, FICO® officially categorizes its score ranges as Poor, Fair, Good, Very Good, and Exceptional.

    What is a Credit Score?

    A credit score is a three-digit number, typically ranging from 300 to 850, that predicts your creditworthiness—how likely you are to repay borrowed money on time. Lenders use this score to assess the risk of lending to you and to determine the interest rates and terms of any credit you might receive.

    Why is a Credit Score Important?
    A credit score is important because it acts as your financial reputation. Lenders, landlords, insurers, and employers use this single number to quickly judge how reliable you are with money. A higher score helps you qualify for loans and credit cards, often securing lower interest rates that can save you significant money. Conversely, a poor credit score can lead to application denials or much higher costs for borrowing, making it a key factor in your overall financial opportunities.

    FICO® Credit Score Facts

    Key Characteristics of FICO® Scores

    • Three-Digit Number: Like other credit scores, FICO® Scores are a three-digit number that summarizes a consumer's credit risk.

    • Range: Most standard FICO® Scores range from 300 to 850. Higher scores indicate lower credit risk.

    • Data Source: FICO® Scores are calculated using data from your credit reports maintained by the three major credit bureaus: Experian, Equifax, and TransUnion. Your score may vary slightly depending on which bureau's data is used.

    • Industry Standard: Lenders rely on FICO® Scores for mortgages, auto loans, and credit cards because they provide a consistent, statistically sound assessment of the likelihood that a borrower will repay their debt.

    Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.

    Advertiser Disclosure:

    The card offers that appear on this site are from companies from which Gettingacreditcard.com may receive compensation when a customer clicks on a link, when an application is approved, or when an account is opened. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Gettingacreditcard.com does not include all card companies or all card offers available in the marketplace.

    About Our Offers:

    The card offers that appear on this site are from companies from which Gettingacreditcard.com may receive compensation when a customer clicks on a link, when an application is approved, or when an account is opened. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Gettingacreditcard.com does not include all card companies or all card offers available in the marketplace.